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lib/api/account_api.dart

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+import 'package:dio/dio.dart';
+import 'package:flutter_riverpod/flutter_riverpod.dart';
+
+import '../core/network/api_exception.dart';
+import '../core/network/dio_client.dart';
+import '../models/account.dart';
+
+final accountApiProvider = Provider<AccountApi>((ref) => AccountApi(ref.watch(dioProvider)));
+
+/// 账户接口（后端每个用户只有一个默认账户）
+class AccountApi {
+  final Dio _dio;
+
+  AccountApi(this._dio);
+
+  /// 账户信息：余额、总收入、总支出（收支为全部账单汇总，只读）
+  Future<AccountInfo> getAccount() async {
+    try {
+      final res = await _dio.get('/accounts');
+      return AccountInfo.fromJson(_parseObject(res.data));
+    } on DioException catch (e) {
+      throw _unwrap(e);
+    }
+  }
+
+  /// 更新余额。
+  ///
+  /// 注意：后端这个接口写入的是**期初余额**，传入前需用
+  /// `initialBalanceFor()` 把目标余额换算成期初余额。
+  Future<AccountInfo> updateBalance(double initialBalance) async {
+    try {
+      final res = await _dio.put('/accounts/balance', data: {
+        'initialBalance': initialBalance,
+      });
+      return AccountInfo.fromJson(_parseObject(res.data));
+    } on DioException catch (e) {
+      throw _unwrap(e);
+    }
+  }
+
+  Map<String, dynamic> _parseObject(Object? data) {
+    if (data is Map<String, dynamic>) return data;
+    if (data is Map && data['data'] is Map) {
+      return Map<String, dynamic>.from(data['data'] as Map);
+    }
+    throw ApiException(-1, '账户响应格式异常');
+  }
+
+  Never _unwrap(DioException e) {
+    final err = e.error;
+    if (err is ApiException) throw err;
+    throw ApiException(-1, '账户操作失败');
+  }
+}